Lexus IS 250 Insurance Rates

Average insurance rates for a Lexus IS 250 are $1,502 a year including full coverage. Comprehensive costs around $362 a year, collision costs $688, and liability costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,252. Teenage drivers receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates for individual coverage type:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and IS 250 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why it is important to compare prices for a specific zip code, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $844
• Using higher $1,000 deductibles will save about $1,264 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,502
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,966
• High-risk insureds who are prone to accidents and violations could pay at least $3,252 or more
• The cost that insures a 16-year-old driver can be $5,366 or more

Car insurance rates for a Lexus IS 250 can also vary considerably based on the trim level of your IS 250, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can be from 45% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Where you live has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see rates as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,140 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could cut rates by as much as $710 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2026 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Lexus IS 250 Insurance

Saving money on insurance for a Lexus IS 250 requires being safe and accident-free, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a review of the data that was covered in the above illustrations.

• You may be able to save up to $190 per year simply by quoting early and online
• Insureds who may need more liability protection will pay an extra $350 per year to increase from a minimum limit to the 250/500 level
• Youthful drivers are the costliest to insure, as much as $447 per month if full coverage is purchased
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,750 more every year than a low-risk driver